Flying Cash (hereinafter referred as ”we” or ”us” or ”our” ) respects the privacy of our users, and intends to protect the privacy of our users. It will be the one who controls and responsible for the personal data provided by users.This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our mobile application (the “Application”). Please read this Privacy Policy carefully. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS THE APPLICATION.

It is mandatory for the user to read this Privacy Notice carefully because each time they use our Services, they accept the processing of their data in the manner described here. If you do not accept it, you will not be able to use our services. Likewise, the user agrees to review the updates to this Privacy Notice, if it is updated, the user accepts the new treatment that is specified in the update.

This Privacy Policy is established for the purpose of obtaining, collecting, storing, processing, using, analyzing and / or distributing, sending and disseminating (statistically), personal information of the user for lawful purposes.

This Privacy Policy will apply to all services on the platforms, applications and any other electronic system. Each user who uses the services of is considered to have read and fully understood the rules for the use of personal information. The user agrees in its entirety and subject without exception to this Privacy Policy.

COLLECTION OF INFORMATION

We will collect for processing the following personal data of which you are the owner (the "Owner" and / or "User"): full name, gender, address, email, date and place of birth, nationality, telephone number, Aadhaar card details, PAN Number marital status, identification and contact data, social network data when authorized by the Holder, patrimonial information, income and expenses to Through access to your account of the Tax Administration Service and / or bank accounts, reason for the requested credit, occupation, profession or activity, and biometric data in order to corroborate your identity, all this is defined as the user's information or their Data Personal.

We may also collect other information specific to provide you service each time such as name, bank statements, KYC documents, personal details, business details, income tax details, marital status, family details and other information via application form or via email or via any other electronic medium or via printed form (Service Information)

We collects the personal information that you provide in the application and any other of our platforms, information generated automatically by user interaction when using the application or any other information accessible through the application programming interface (API).

CATEGORIES OF INFORMATION COLLECTED

They may include:

1.Information is obtained directly through the application. Personal information is specific and serves as the identity of our clients. The clients use our services voluntarily.

2.Information is provided by third parties, such as service agencies that offer information related to credit history or information provided by co-workers and / or family members.

3.Information about your business address and place of residence.

4.Information Collected When Using the App. This information will be used to identify you and to verify the use of the application through your mobile phone in order to avoid fraud.

WHEN YOU CLICK "AGREE" IN THE PRIVACY POLICY DURING INSTALLATION, YOU AGREE THAT WE WILL UPLOAD YOUR INFORMATION TO THE SERVER, THE DATA WILL BE KEPT STRICTLY CONFIDENTIAL, AND YOUR INFORMATION WILL BE KEPT SAFE.

MANAGEMENT OF INFORMATION

When you click "Agree" in the privacy policy during installation, you agree that we will upload your information to the server, the data will be kept strictly confidential, and your information will be kept safe and will be used for the following purposes:

a. Check that the information sent is true and that your identity is not used by third parties.

b. Create your profile as a user in the App or any of our platforms.

c. Evaluate the granting of the credit to which it applies in accordance with the applicable conditions.

d. Process your request and ensure the security of the transaction process after approval of the transaction.

e. Evaluate your loan application history and confirm your employment information.

f. Analyze the viability of granting loans and assess its risks.

g. Improve our application to meet the needs of our future customers

h. Formalize the contractual relationship between you and Flying Cash, as well as fulfill the obligations after signing the contract between you and us.

i. Facilitate the review of banks, financial institutions or other authorized third parties about your information in our databases or services.

j. Send communications and notifications related to your credit or updates on our services, policies, guidelines or rates.

k. Include it in our database and integrate your file.

l. Send own advertising material.

Credit Evaluation

Hereby as a customer i authorize PSPR Enterprises Private Limited to retrive my credit data from credit beuru such as experian/CIBIL/equifax/CRIF etc and assess my eligibility.

PROTECTION OF INFORMATION

We take reasonable security measures to prevent unauthorized access, alteration, disclosure or deletion of the user's personal information stored in Flying Cash. However, no digital platform can fully eliminate the security risks.

We reserve the right to disclose the personal information shared by you without your consent (express or implied) and without any liabilities to you when required or permitted by law and we have a good-faith belief that (i) such action is necessary to comply with an appropriate law enforcement investigation, current judicial proceeding, a court order or legal process served on us or (ii) to conform to the legal requirements, compliance/reporting to administrative and judicial authorities, as may be required (iii) protect and defend the rights or property of the company, or the users of Flying Cash, (iv) person(s) or company (ies) who provide certain support services to us, or (v) person(s) or company (ies) who share certain responsibilities/obligations of Flying Cash and (vi) to third parties/ service partners for providing you services offered by such third parties and service partners. Further, we reserve the right to disclose Information shared by you without your consent with entities engaged in providing the credit scores or credit information related services like CIBIL, etc.

DISCLOSURE OF INFORMATION

The personal information provided by the user to our company will be stored for a period in accordance with the rules of the company and with the law regarding data privacy and its protection. will not sell or exchange your personal information to any third party. Our company is authorized to reveal, display, transmit and distribute personal information to companies linked and / or affiliated with the services of, including but not limited to affiliates, agents (including the second part of collection), credit rating agencies, subcontractors, organizations / companies designated by our company, entities considered relevant for the services of and the network process (platforms), research and review (third parties). The conditions in which the confidentiality of personal information is agreed and guaranteed primarily by third parties is based primarily on circumstances in which third parties guarantee the confidentiality of personal information.

In the event of a breach of the credit agreement, will have the right to obtain the identity of the borrower and other necessary information (including personal information) to reinforce the validity of the loan agreement and guarantee the collection process. The borrower (user) gives his irrevocable consent to the use and disclosure of personal information.

In addition to the aforementioned purposes, the company may disclose personal information for the following reasons:

a. In accordance with applicable law or applicable court procedures, and

b. Prevent the abuse of users' personal information

Sharing of personal information with the following parties is authorized:

to. Business partners, to carry out each of our agreements with you or with our partners; advertisers and online advertising platforms, the information necessary to select the advertisements that interest you and others. Personally identifiable information will not be disclosed to advertising companies, but they will be provided with numerical information about users (for example, they would be informed that 125 men under the age of 33 have visited their advertisements during a specified period). This information can also be used to help advertising companies reach the types of customers they want.

a. Your information or your details can probably be used to advertisers, mainly so that they can show the appropriate advertisements to the target audience.

b. Analytics and search engine providers to help improve and optimize our website;

c. The potential seller or buyer of the company's assets. In this case, we would transfer your personal information to the buyer or seller as part of the transaction;

d. Any organization or natural person. In the event that there is an obligation to disclose your personal information to comply with any law or to apply our terms and conditions, cookie policies and other terms, as well as to protect the rights of and other related assets, security and users, etc. . It includes the exchange of information with other companies and organizations to prevent fraud and credit risk;

e. Agents, contractors or other related parties offering various services, for example, administration, postal delivery, telephone sales, telecommunications direct sales, call center, business process, travel, visa, knowledge management, human resources, processing of data, information technology, repayment, loan collection, credit reference or other background check, or other parties related to;

f. The banks of the clients that make the withdrawal of any cheque or equivalent amount processed by or other related parties;

g. Financial institutions that own or may have business related to each product and / or service in the future;

h. Such natural persons or entities, or other related parties, are obliged to disclose in accordance with judicial rules and applicable law or pursuant to a law that is binding or applicable to the or other related parties and any disclosure is based on guidelines or instructions issued by government authorities, or by law enforcement agencies, regulations, government agencies, tax authorities, law enforcement agencies or other regulatory bodies, the autonomous statutes of industry institutions or financial service provider associations applied by Flying Cash or other related parties, or in any commitment of Flying Cash or third parties related to laws, regulations, governments, taxes, together with other agencies in charge of law enforcement or other authorities, groups or autonomous associations of companies or financial service providers or stock exchanges, including the courts, arbitration tribunals and / or legal, regulatory, fiscal and governmental institutions. It does not matter if there are legal procedures, obligations, requirements or guidelines in progress or if they are formulated in the future;

i. Financial institutions, agents or other parties related to remittance operations and / or any financial activity;

j. The current or proposed assignees of or other related parties, together with other parties related to you, participants, branches or assignees of the rights of. In addition, it includes all or part of the assets or businesses of or other related parties; as well as other business-related parties.

k. The party that offers or proposes a guarantee to the guarantor or a third party, or the party that guarantees its obligations.

INTERNATIONAL TRANSFERS OF PERSONAL DATA

The Flying Cash operation works with collaborators from several countries in addition to a computer network, cloud-based servers and other technologies and infrastructure, information, which includes, among others, external service providers. We and our third-party service providers store and Process your Personal Data in Flying Cash and in other locations around the world. We will protect your information as described in this Privacy Notice in the event that your Personal Data is transferred to other countries. When using our platforms, the user gives their consent for their Personal Data to be transferred to other countries, including those whose data protection regulations are different from those of their country.

Cookies are small files that are automatically generated on your computer equipment and serve to identify and monitor your internet connection, allowing better access to our services. Cookies will help us to obtain the content that interests you the most and the types of content that you have visited in the past. When you visit this website again, Cookies will personalize the content according to your needs. Cookies do not store personal information of the user and all the data of our Cookies are encrypted and cannot be obtained by other websites. Even if you accept Cookies under the original settings, you can choose to reject the enabling of Cookies in your browser settings.

ACCESS TO SOCIAL NETWORKS

During the development of the service, we will ask for your permission to access your social accounts, in this case they include, but are not limited to, Twitter, Facebook, Instagram, Google + and / or LinkedIn.

If you allow us access to the data of your social accounts, this implies that you agree that this data is used only for the fulfillment of the services.

INFORMATION SECURITY

Every effort will be made through proven security test devices to protect any personal information obtained in accordance with this Privacy Policy. However, we will not guarantee the confidentiality of your information in the event that other parties illegally acquire and use your personal information. Everything in our power will be done to prevent unauthorized access to your personal information and will proceed to report it to the competent authorities.

OBLIGATION TO DISCLOSE PERSONAL INFORMATION

Applicable law would require us to disclose your personal information and other relevant information to authorized third parties, such as government agencies, law enforcement agencies, and law enforcement agencies. Disclosure is made only if there is a valid authorization from a legal authority. Disclosure is made only if there is a valid authorization from a legal authority.

CHANGES IN THE PRIVACY POLICY

Flying Cash may modify, or update this Privacy Notice that are necessary to address reforms in applicable legislation, decision to modify our privacy policies, or for other reasons, which will be promptly notified by publication on our website and in the App. The revised Privacy Policy shall bind you and it is your sole responsibility to check the same from time to time. You acknowledge that no knowledge of the revised Privacy Policy shall not be a defence in any proceedings with regard to the Privacy Policy.

CONSENT TO THIS POLICY

Flying Cash concludes that by using our Electronic Media and / or contracting a credit with us, it expressly recognizes and accepts this Privacy Notice and the amendments and updates thereunder, for which said consent gives us the power to proceed with the treatment of the same in the way in which it is noted in this Notice.

WITHDRAWAL OF CONSENT

You may choose to withdraw Your consent provided hereunder at any point in time. Such withdrawal of consent must be sent in writing to our email address. In case You do not provide Your consent or later withdraw Your consent, You shall not access the Platform and/or use the Services and also we reserve the right to not provide You with any Services through the Platform. In such a scenario, the Company may delete Your information (Personal or otherwise) or de-identify it so that it is anonymous and not attributable to you.

DELETED ACCOUNT

A user may cancel access to Flying Cash in any of the following cases:

1.If the user of the loan fails to provide all documents or requirements to become the creditor of the requested loan within the stipulated time.

2.If your first loan or refinancing application (as the case may be) is declined. The user will have the possibility to permanently delete his account from the Flying Cash. After the operation to delete the account, the user's personal data will be permanently deleted.

When deleting an account:

The user's profile will no longer be visible and will require re-registration if they want to use it again.

In accordance with the relevant provisions of the Information Technology Act, 2000 and Rules made thereunder, the contact details of the Grievance Officer who can be contacted with respect to any complaints or concerns including those pertaining to breach of Flying Cash’s Terms of Use, Privacy Policy and other polices or questions are published as under:

Email address: customersupport@flyingcash.app

When you have checked the "read" in the privacy policy at the time of installation, it means that you agree to this privacy policy without exception, and understand that you have read and agreed to this privacy policy in its entirety.